Back to College Q & A

Is your child among
the million students heading back to college any day now? If so, you’re
probably busy helping them gather all the things they need for life away from
home.

One of the things that
you’ll want to discuss with them before they go back to college is how to keep
their car and their belongings safe and protected. Here are some answers to a
few of the most common questions that parents of college students often ask us.

Are my child’s belongings covered by my homeowners policy when she goes back to college?

That’s a great
question. Students also often take expensive items to school like laptops, bikes
and TVs, which can be pricey to replace if damaged or stolen items. The good
news is that most insurers’ homeowners policies are designed to cover your
child if something is stolen or destroyed.

At Erie Insurance,
full-time students under the age of 24 are automatically covered under their
parents’ policy. Part-time students and/or students who are 24 and older may
need to take out a renters insurance policy to protect themselves and their
belongings.

Does insurance coverage differ if my child is living in a dorm versus an apartment?

Your children’s
personal property is generally covered under your homeowners policy if they’re
away from home. However, when students choose to live in an apartment, they
should consider purchasing a separate renters insurance policy, which can provide for additional living expenses
if an apartment becomes uninhabitable because of something like a fire.

What steps can my child take to safeguard her belongings?

It’s a good idea to
talk with your child about this since more than 13,500 burglaries were reported on U.S. campuses in 2014. In addition to taking
personal safety precautions, your child will also want to keep these tips in
mind:

Always lock the doors. Sounds obvious, but most
dorm thefts occur during the day.

Create a home inventory. It is much easier to
submit a claim if you save all receipts from major purchases, make a
detailed list of everything of value in your home, and photograph or
videotape your possessions.

Safeguard pricier items—or just leave them at home.
Bikes, jewelry, watches and laptops are some of the biggest targets of
theft. So be sure to lock them up or leave them at a trusted residence
that doesn’t have a high level of foot traffic.

Another thing to keep in mind is that most insurers limit how
much they will pay for theft of any one item (at Erie Insurance, the limit is $3,000). If a prized possession is worth more, you may want to add
coverage.

You may also want to add identity theft coverage to your policy.
At Erie Insurance, it’s automatically included in many policies and it helps a
victim recover after identity theft or fraud. Talk with an Erie Insurance agent to learn more about identity recovery coverage.

Do I need to make any adjustments to my child’s auto coverage if she’s away at school?

Because you’ll have one less driver living at home
when your son or daughter goes off to college, your household might get a
discount if the child doesn’t take the car to college.* If your child does take
a car to school, review your coverage with an insurance agent to make sure he
or she is properly insured.

Are college kids eligible for any discounts?

This is an
important question to ask your insurance agent. Erie Insurance has a college student
auto discount that applies to young, unmarried, full-time college students who
spend most of the year away from home without the use of a vehicle. If you’re
renting and buy your car insurance and your renters insurance together from
ERIE, you may be eligible for a multi-policy discount.* Ask an Erie Insurance agent if you’re eligible for this type of discount.

*Discounts subject to eligibility and applicable rates and rules. Not available in all states

Know a student heading back to campus? If so, it’s important to know how to keep their car and their belongings safe and protected.
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